The Vial of Life program also known as Vial of L.I.F.E. (Lifesaving Information for Emergencies), is a program that allows individuals to have their complete medical information readily available in their homes for emergency personnel to reference during an emergency. It is a way of speaking to first responders (police, firefighters, EMS personnel) when someone […]

Unfortunately, abuse happens with children, animals, and even older adults. It is an all too common problem for abuse in a nursing home setting, too. In fact, 66% of nursing home staff members admitted to abusing residents in a 2020 World Health Organization (WHO) study. Abuse comes in all forms, including physical, psychological, neglect, and […]

There are five types of Medicare coverage: Parts A (hospital coverage) and B (non-admitted emergency room visits, medical appointments, medical supplies, and tests), Part C (Medicare Advantage Plan), Part D (drug coverage), and Medicare Supplement Insurance often referred to as a Medigap coverage. The Social Security Administration provides parts A and B coverage. Insurance companies […]

Medicare open enrollment for 2025 is from October 15 to December 7. There are five types of Medicare plans, including Part A, B, C, D, and Supplemental. Now is the time to contact a Medicare specialist to learn more about any changes to your current plan and to look into alternatives for Part C (Medicare […]

The convenience of everything online, including online banking, is terrific. The problem is identity theft. In fact, data breaches and other financial scams expose millions to identity fraud. Accordingly, FTC received 5.7 million fraud and identity theft reports, of which 1.4 million were identity theft cases. Total losses are estimated to be $10.2 billion. The […]

Have you heard of Long Term Care (LTC) Insurance and wondered what it was? Unlike traditional health insurance, long-term care covers long-term services and supports. Coverage includes personal and custodial care in various settings, such as your home, a community organization, or other facilities. Health insurance covers doctor’s appointments, hospital treatment, home health, and skilled […]